Choose the Right Insurance for Your Petby on 21-03-2011 in Dog Insurance
Choose the Right Insurance for Your Pet
Ownership of a dog or a cat comes with a list of necessary expenses and responsibilities. Regular preventive care, monthly check ups, vaccination, veterinary care for unexpected accidents or illnesses are just some of the health-related expenses that may be encountered by a pet owner.
The reality of rising health care costs, both for humans and pets, could be a cause for concern for the pet owner. To help support these necessary expenses, a dog or cat owner may apply for pet insurance.
What to Look for in a Pet Insurance
Owners should be careful about selecting a particular company or pet insurance. More companies are now offering pet insurance in Australia and the variety of options could confuse the pet owner. The most important step, prior to selection, is to research and compare several providers and their policies. Allowable medical services, health conditions, and owner paid deductibles are all indicated in the insurance policy.
Look for the list of health conditions, preventive care, accidents or emergencies supported by the insurance. Find out if the policy excludes treatment for long term illnesses. Also check the company's policy and coverage for pre-existing medical conditions. This is important if your pet has a condition that requires long term treatment or maintenance.
Ask the company about their policy on renewal and reimbursement. In case a cancellation of policy is required, make sure that the company will refund all unearned premiums. Check if they will apply the same terms and conditions each year.
Some insurance policies have a list of preferred veterinary services. If you want flexibility of choices, select a policy that will allow you to select your own veterinary services.
If you care about your pet's health but worry about the cost of veterinary care, consider applying for pet insurance.